Economic Indicators and Efforts for Sustainability
Credit Costs and Disclosed Non-performing Loans for the First Half of Fiscal 2022 (Bank Consolidated)
Credit Costs
(4.6)
Credit costs were down ¥4.6 billion year on year
due to a decrease in provision of reserve for general
loan losses as a result of reversal of provision for
COVID-19 measures, and a decrease in amortization
of non-performing loans owing to decreased
bankruptcies
Since the total amount of provision of reserve for
general loan losses and provision of reserve for
specific loan losses is negative, reversal of
allowance for loan losses is recorded in the
financial statements. However, it is not shown in
the table on the left for the purpose of
comparative analysis with the past results.
Credit costs by factor
(Units: Billions of yen)
Fiscal 2022
Fiscal 2020
Fiscal 2021
First Half
First Half
First Half
YOY
Credit costs total
2.1
13.3
3.9
4.3
(0.7)
Provision of reserve for general loan
0.7
9.5
0.3
(0.7)
(2.5)
(2.8)
losses
Amortization of non-performing loans
1.6
4.4
3.8
5.7
1.9
(1.9)
Bankruptcies
0.3
0.5
1.4
1.4
0.0
(1.4)
Downgrades, etc.
2.6
6.2
3.4
6.5
3.3
(0.1)
Upgrades and collections
(1.7)
(2.8)
(1.5)
(2.8)
(1.6)
(0.1)
Other Group companies
0.4
0.5
0.5
0.6
0.2
(0.3)
Recoveries of written off claims (-)
0.1
0.6
0.2
0.5
0.1
(0.1)
[Reference] Credit management
expense ratio (Nonconsolidated*)
0.06%
0.26%
0.14%
0.08%
(0.03)%
(0.17)P
(*) Credit management expense ratio = Credit costs (Bank Nonconsolidated) / Average loan balance (Bank Nonconsolidated)
Ratio of Disclosed Non-Performing Loans
Amounts and ratios of disclosed non-performing loans under the Financial Reconstruction Act
(Units: Billions of yen)
Fiscal 2020
Fiscal 2021
First Half
Fiscal 2022
First Half
YOY
Loans to bankrupt or effectively bankrupt borrowers
Doubtful assets
3.8
2.0
1.9
1.7
(0.3)
54.2
59.0
63.3
66.3
+7.3
Although amounts of disclosed non-performing
loans have been on an increasing trend amid the
Credit subject to specific risk management
16.8
23.9
23.7
24.3
+0.4
Total disclosed non-performing loans
74.8
85.0
89.1
92.4
+7.4
COVID-19 pandemic, ratio of non-performing loan
continued at a low level of 1.67%.
Ratio of disclosed non-performing loans
1.42%
1.62%
1.66%
1.67%
+0.05P
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